Fees and Charges

Annual Membership Fee is AED 3,000*

Retail Interest Rate per month is 2.99%

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Your minimum income should be AED 36,750 per month


Earn Skywards Miles

  • 2.5 Skywards Miles per USD spend on tickets purchased online at www.emirates.com
  • 1.5 Skywards Miles per USD of FX spend
  • 1 Skywards Mile per USD of local spend

Please note you may earn Skywards Miles up to the credit limit assigned to your credit card and earning caps apply for certain spend categories (i.e. e-Government, grocery stores etc.). Please click here to view the Skywards Miles earning terms and conditions.

Bonus Skywards Miles

Enjoy 25,000 sign-up Skywards Miles with your new Citi Card and receive 10,000 Skyward Miles on the yearly payment of the membership fee. The Skyward Miles will be credited to your card account 45 working days after you have paid the fee.

Skywards Silver membership

Complimentary Skywards Silver membership to enjoy bonus tier Miles, priority check-in, excess baggage allowance and much more. The Skywards Silver tier membership is available for the primary cardmember for as long as the card is active and as per Skywards Terms & Conditions. If you are an existing Skywards Gold or Skywards Silver member, your existing membership status will not be affected.

Skywards Miles statement

The Skywards Miles you earn with your card get transferred to your Skywards account weekly and reflect in your statement.

To track your activity and see your current miles balance please visit www.emirates.com.

Redeem Skywards Miles:

  • By purchasing a reward ticket or upgrading an existing booking from Economy to Business or from Business to First Class with Emirates.
  • At any of the Emirates partners in hospitality, car hire, lifestyle, retail or at the Emirates partner airlines.
  • On the Emirates High Street - a leisurely and rewarding shopping experience with a diverse selection of over 400 products to choose from.

To redeem your Skywards2 Miles contact Skywards at +971 600 555555 or simply login to your Skywards account at www.emirates.com

Miles earning and expiry

You can earn Skywards Miles for your retail spend up to the credit limit assigned on your Citi Card. You will earn 50% of the usual Skywards Miles on purchase categories like grocery stores, supermarkets and real estate as defined by Visa, MasterCard, or associated acquiring banks. Your Skyward Miles are valid for 3 years from the date each transaction was made.

For more details please visit www.emirates.com


Airport lounge access

Unlimited complimentary access to 1000+ airport lounges worldwide for you, your supplementary cardmembers and one free guest each.

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Complimentary golf

Unlimited free golf during weekdays for primary and supplementary cardmembers and 1 free round of golf per month at any time during the week (including weekends) for primary cardmembers.

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Complimentary movie tickets

You can enjoy up to four ‘buy-one, get-one’ complimentary movie tickets each month on any day of the week with your Citi Credit Card.

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Complimentary Meet & Greet Service

Enjoy complimentary marhaba Silver Meet & Greet service and experience a smooth journey through Dubai International Airport.

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Travel insurance

You are entitled to complimentary Travel Accident Insurance cover, as well as compensation for inconvenience due to delayed or missed flights and luggage when your tickets are purchased with your Emirates-Citibank Credit Card.

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Emirates Advantage Offer

Benefit from 0% interest for 3 months with our Easy Instalment Plan when purchasing your Emirates tickets at www.emirates.ae.

To take advantage of this payment option, simply book and purchase your ticket at emirates.ae with your Emirates-Citibank Credit Card, and immediately apply for the Emirates Advantage payment option once your online purchase is complete, via the link provided on the booking confirmation page.

Terms & Conditions apply.

Supplementary cards

As an Ultima Cardmember, you can apply for unlimited free supplementary cards for your family members (spouse, siblings and children over 15 years of age). Being the primary cardmember, the Ultima Mastercard comes in an exclusive metal version for you and in non-metal for your supplementary cardmembers, who can also get the metal version of the card for a one-time fee of AED 1,000 per card.

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Dining Privileges

Gourmet Pleasures from Citi is our mouthwatering dining program. Enjoy up to 20% discount at select restaurants. Browse through the whole selection now.

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International concierge

To get assistance and plan your dinner reservations, airline or theater tickets and much more.
For more information and reservations please Contact World EliteTM Mastercard® Concierge 24/7, 365 days a year at 800 0444 0844 (toll free) or +1 312 843 5359 (international number) or visit www.mastercard.com/worldelite

Starwood Hotels & Resorts Complimentary Hotel Nights

Book 2 nights and get the 3rd night free, book 3 nights and get the 4th night free or book 4 nights and get the 5th and 6th nights free at more than 175 participating Starwood Hotels & Resorts properties worldwide, including St. Regis, Le Méridien, Luxury Collection, W Hotels, Westin, Sheraton.
Please visit www.mastercard.com/worldelite to find out more.

Global Hotel Alliance DISCOVERY Black Membership

Complimentary DISCOVERY Black-level membership, across 550+ hotels including Anantara, Corinthia, Kempinski, etc., through the loyalty programme of Global Hotel Alliance, to enjoy room upgrades, early check in, late checkout and much more.
Please visit www.mastercard.com/worldelite to find out more.


Automatic Account Alerts

To stay informed about your account activity, set up alerts, we'll remind you about your balance levels, payments due, or when you go over your credit limit and every purchase made with your card through the Citibank Alerting Service.

Monthly Bill Payment

If you hold an account with Citi, please visit www.citibank.ae and pay through Citibank Online; or make a deposit at a Citi ATM. We now accept payments even without your Citi Credit Card. Visit www.findmyciti.com/ae to see ATM locations.

For all services click here


*5% VAT applicable over and above the annual fee

Welcome offer terms and conditions apply. Click here to know more.

Average savings values calculated are based on an average customer spend and usage uptake of each mentioned benefit. Click here to know more.

Emirates-Citibank Credit Cards Terms and Conditions apply. For details, please click here
Skywards Miles earning terms and conditions, for details please click here

Sign-up Skywards Miles will be awarded provided that the customer has activated the Credit Card within 60 days from the cards approval date and has paid the entire Annual Membership Fee of AED 3,000 and any amount which has been levied on the card by the first payment due date as determined by Citibank. Sign-up and Bonus Skywards Miles (25,000 sign-up and 10,000 yearly renewal Miles) will be credited to the card member’s Skywards account 45 business days after the full payment of the Annual Membership Fee of AED 3,000.

Sign-up and bonus Skywards Miles may be terminated at any time at Citibank’s sole discretion without prior notice. Find out more at www.citibank.ae

Citibank may apply and/or reduce Skywards Miles awarded per US Dollar spent on the Card to certain spending (i.e. utility bill payment) at its sole discretion. Purchases made on www.emirates.com for tickets need to be completed in AED Dirhams to qualify for 2.5 Skywards Miles per USD earning. Purchases made on www.emirates.com in other currencies will earn 1.5 Skywards Miles. For a detailed list of exclusions or updates on the Miles earn rate, please click here. Emirates/ Skywards Programme terms and conditions apply and are available on www.skywards.com.

Citibank and Partners Terms and Conditions apply, are subject to change and are available upon request. For the current Citibank Terms and Conditions, please visit our Website www.citibank.ae. Citibank N.A. makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partner(s)/other entity(ies).


Offer Terms and Conditions (Included on the form page along with a mandatory acknowledgment field)

• This offer is applicable only for customers who submit a lead through the statement credit offer for digital acquisition campaign, successfully get approved for a credit card and meet the minimum retail spend requirements listed below.
• The offer is available from July 1st, 2018 and December 31st,2018.
• Customers who get successfully approved for a credit card and meet the minimum retail spend requirement will receive applicable statement credit in their card.
• The offer is applicable for all credit cards (except Citi Simplicity and Citi Rewards card) being offered during the promotion period.
• Existing Citi credit card customers and Citibank's staff are not eligible for this offer.
• Customers who have closed a Citi credit card within the last 24 months are not eligible for this offer.
• Citibank reserves the right, at its absolute discretion, to vary, delete, add or suspend the above offer without prior notice.
• This offer will not be available in conjunction with any other sign up offers/promotions
• All Credit Cards are approved at the sole discretion of Citibank, N.A UAE (Citibank N.A.). Approval for a credit card is subject to receipt of complete documentation (in original), required information to the satisfaction of the bank and successful verification
• Citibank Terms and Conditions apply. They are subject to change and are available upon request. For the current Terms and Conditions please visit www.citibank.ae
• The customer has to read and acknowledge all the Terms & Conditions listed on the registration page before applying • All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A. Citibank, N.A. makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partner(s)/ other entity(ies). Partner Terms & Conditions apply’ wherever applicable
• In no event shall Citibank, any of its affiliates, or any of their officers, directors, employees or agents be liable for any loss, damage or expense arising out of or otherwise related to this offer.
• By inquiring about our services, offers or products, you will be authorizing our representatives to approach you on your contact details including your telephone/ mobile number.
• Citibank reserves the right to, without liability or prejudice to any of its other rights, at any time, without previous notice and from time to time, withdraw/suspend/amend/cancel this offer, with or without any reason
• Citibank reserves the right, at its absolute discretion, to vary, delete or add to any of these terms and conditions from time to time, without prior notice.
• The applicant hereby represents and warrants that the information provided herein is true, accurate, and complete and that he/she agrees to remain responsible for and to indemnify Citibank, N.A. from and against any losses, claims and/or liabilities incurred by Citibank NA as a result of having relied on such information.
• Citibank, N.A. is not required to verify the information provided by the applicant and neither is the bank obliged to provide the applicant with any loans or credit facilities based on the provided information.

Minimum retail spend requirement
• For the new customers approved under this program, the statement credit will be awarded upon meeting minimum retail spend requirement on the card within 90 days after the card has been approved.
• To be eligible for the offer, minimum spends requirements needs to be fulfilled as per card type within 3 months:
  • EK Ultima: AED 25,000
  • EK Ultimate: AED 20,000
  • EK World: AED 15,000
  • Prestige: AED 20,000
  • Premier: AED 15,000
  • Cashback: AED 5,000
• Cash Withdrawal, payment of AMF, financial charges and bank fees will not be considered as part of the spend criteria specified above. Only retail spend related transactions will be eligible for being considered as eligible spend for this campaign.
• The customer is not eligible to receive the offer even if they meet the spend criteria but fail to make any minimum payments due against their Card during the 90 days period.
• Customers shall not be on any payment block to avail the above Offer at the time of offer fulfillment.
• The statement credit will be awarded within 30 business days after the 90 day period as a statement credit if the customer is eligible under the above mentioned conditions.